TheHow and Why of Being a Stock Broker

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1 $SSOLWLRQIRU 'WK%QILWV +OS,Q)LOOLQJ2XW<RXU$SSOLWLRQ If you need help to complete this application: 6WQU)RUP 5YLV0UK 3UYLRXVLWLRQVUQRWXVXO )RUP$SSURY 20% 161 2IILRI3UVRQQO0QJPQW )306XSSOPQW benefits are usually payable commencing the day after the death of the employee or annuitant Survivor annuity payments to widows, widowers, and former spouses end when the survivor annuitant remarries before reaching age 55 or dies Survivor annuity payments for a child end when the child marries, dies, reaches age 18 (unless the child is disabled; see instructions for Section C1a) and is not a full-time student, or reaches age 22 Insurable interest survivor annuity benefits end when the survivor annuitant dies If no one is eligible for a monthly benefit or when monthly annuity payments to all eligible survivors end, a one-time lump sum benefit is payable if all the money the deceased paid into the Civil Service Retirement und has not been paid out Also, a lump sum is payable upon the death of an annuitant who does not receive all the annuity payable through the date of death Lump sums are paid in the following order: Contact the personnel office in the agency where the deceased was working if he or she died while still employed; otherwise Contact the Office of Personnel Management Civil Service Retirement System 1900 Street, NW Washington, C You may visit the Retirement Information Office at the above address *QUO,QIRUPWLRQ The Office of Personnel Management prepared this package for individuals who want to apply for survivor benefits based on the death of a Civil Service employee, former employee, or annuitant who was covered by the Civil Service Retirement System (CSRS) The package contains information, instructions, and a claim form ach person who expects to be paid a benefit must fill out an application (See Instructions, Section C regarding applications in behalf of minor children) I Any beneficiary named by the deceased in a written designation received by the Office of Personnel Management or its predecessor, the US Civil Service Commission, prior to death; Widow or widower of the deceased; Child or children (descendants of a deceased child may qualify); Parents in equal shares or all to the surviving parent (attach a statement telling what happened to the other parent); xecutor or administrator of the deceased's estate; If none of the above apply, payment will be made to the next of kin according to the laws of the deceased's State of residence This application is not for use by former (ie, divorced) spouses who are applying for survivor annuity benefits (1) for themselves alone or (2) for themselves and children of the deceased To obtain the former spouse's application form write to: Office of Personnel Management Civil Service Retirement System Retirement Operations Center Boyers, PA The survivors of employees and annuitants who were subject to the ederal mployees Retirement System (RS) must use Standard orm 3104 to apply for death benefits 7\SRI'WK%QILWV The two kinds of benefits possible are "survivor annuity" and "lump sum payment" Monthly survivor annuities may be payable, upon the death of an employee or annuitant, to a spouse, former spouse, children or a person elected by the annuitant (ie, insurable interest) Monthly survivor annuity $WWKPQWV ALWAYS attach a copy of the deceased's AT CRTIICAT We may need other documents such as proof of marriage, divorce, birth, guardianship, etc, depending on your situation These documents are discussed in the instructions for each item on the application If you don't have the additional documents, send in your application and the death certificate without them We will notify you if we can't proceed without additional information or evidence If we have to request additional documentation, this will delay the processing of your claim ATTAC the death certificate and the other documents to the application )UO(PSOR\V*URXS/LI,QVXUQ The Civil Service Retirement System does not pay the life insurance claims To apply for any ederal employees' life insurance which may be payable, use orm -6, Claim for eath Benefits, ederal mployees roup Life Insurance

2 Life insurance isn't always payable orm -6 has complete instructions on how to file and where to mail the orm -6 You can get orm -6 from the Office of Personnel Management or from ederal agency personnel offices You must send a certified death certificate with orm -6 8QVK$QQXLW\&KNV Any uncashed checks payable to the deceased must be returned to the following address: irector, Regional inancial Center US Treasury epartment Post Office Box 8670 Chicago, IL If annuity payments were deposited directly into an account through lectronic und Transfers, immediately notify the financial institution of the death of the annuitant The US Treasury epartment will request that the financial institution recover the direct deposits made to the annuitant's account after the date of death If the annuity payments are still in the account, the financial institution will simply reimburse the Treasury epartment in the amount requested If the payments have been withdrawn, the financial institution and/or OPM will contact the withdrawn for reimbursement,qirupwlrq5julqj)uo,qrp7[:lwkkrolqj ederal law requires that income tax be withheld, under certain circumstances, from survivor annuity and/or lump sum payments unless the payee requests in writing that we not withhold the tax We withhold ederal income tax from the first survivor annuity payment and send the payee information about the right to change the amount of withholding or have it stopped 6XUYLYRUVRI'V$QQXLWQWVRU)RUPU(PSOR\V Send your completed, SIN application, the deceased's AT CRTIICAT, and any required additional documents to the following address: Office of Personnel Management Civil Service Retirement System Retirement Operations Center Boyers, PA media, or through the use of computer matching programs, with national, state, local or other charitable or social security administrative agencies in order to determine benefits under their programs, to obtain information necessary for determination or continuation of benefits under this program, or to report income for tax purposes It may also be shared and verified, as noted above, with law enforcement agencies when they are investigating a violation or potential violation of the civil or criminal law xecutive Order 9397 (November 22, 1943) authorizes use of the Social Security Number urnishing the Social Security Number, as well as other data, is voluntary, but failure to do so may delay or make it impossible for us to determine your eligibility to receive death benefits 3XOL%XUQ6WWPQW We think this form takes an average 30 minutes per response to complete, including the time for reviewing instructions, getting the needed data, and reviewing the completed form Send comments regarding our estimate or any other aspect of this form, including suggestions for reducing completion time, to the Office of Management and Budget, Paperwork Reduction Project ( ), Washington, C 20503,QVWUXWLRQVIRU&RPSOWLQJ6WQU)RUP Please Carefully ollow the Instructions Below TYP OR PRINT CLARLY If you need more space in any section, use a plain piece of paper with your name, date of birth, and Social Security Number and the deceased's name, date of birth, Civil Service Claim (CSA) Number (if applicable), and Social Security Number written at the top Section A - Information About the eceased ive the deceased's full name ive the deceased's date of birth ive the date of death ive the deceased's legal residence The legal residence is the city and state where the deceased lived when he/she died Survivors of eceased mployees Send your completed, SIN application, the deceased's AT CRTIICAT, and any required additional documents to the personnel office of the deceased's employing agency 3ULY\$W6WWPQW Solicitation of this information is authorized by the Civil Service Retirement law (Chapter 83, title 5, US Code) The information you furnish will be used to identify records properly associated with your application, to obtain additional information, if necessary, to determine and allow present or future benefits, and to maintain a unique identifiable claim file The information may be shared and issubject to vertification, via paper, electronic ive the deceased's Social Security Number If you don't know the number, write "unknown" ive the deceased's CSA claim number if the deceased was a Civil Service annuitant If the deceased was retired and receiving a monthly annuity check from the Civil Service Retirement System, the CSA claim number will identify the retirement file The CSA number appears on the monthly checks from the US Treasury and on all correspondence from OPM to the annuitant If you don't know the number, write "unknown" If the deceased wasn't a Civil Service annuitant, write "not applicable" ive the name of the department or agency where the deceased was employed at death, retirement, or final

3 separation from ederal government employment If you don't know, write "unknown" ive the location of the employment shown in item 7 If you don't know, write "unknown" ive the date the department or agency separated the deceased from employment If you don't know, write "unknown" 6WLRQ%,QIRUPWLRQ$RXWWK$SSOLQW ive your full name Show if the deceased applied for or was receiving payments from Office of Workers' Compensation Programs (OWCP) The epartment of Labor, OWCP, makes recurring payments to workers who are injured or survivors of workers who die because of an on-the-job injury Recurring payments for OWCP and Civil Service survivor annuity benefits usually are not payable for the same period of time ive the deceased's OWCP claim number It appears on the US Treasury checks and correspondence from OWCP If you don't know the number, write "unknown" ive the name of the deceased's husband or wife at the time of death If the deceased wasn't married at the time of death, write "none" List all former spouses of the deceased, if known If the deceased had no former marriage, write "none" If you don't know, write "unknown" If you married the deceased after he or she retired and if the deceased was married to someone else before marrying you, we may need proof that the previous marriage ended (such as a death certificate of the previous spouse or a divorce decree) If such proof is readily available, attach a copy of the proof to this application and send it to us, unless you know we already have it Show whether the marriage ended by death or divorce/annulment if you don't know, write "unknown" ive the date the marriage ended If you don't know the exact date, give the approximate date followed by a question mark (?) or write "unknown" ive your date of birth ive your Social Security Number Show whether you are a US citizen If you checked "No," give your citizenship ive your relationship to the deceased: for example, if the deceased was your father, write "son" or "daughter," as applicable If you are appointed by the court to settle the estate of the deceased, enter "executor" or "administrator" and attach a copy of your court appointment Show if you are the widow or widower of the deceased If you are, complete items 7-12 Otherwise go to Section C (Note: If your most recent mariage to the deceased ended in divorce or annulment, you are not the deceased's widow or widower and items 7-12 do not apply to you) Show what type of official performed your marriage to the deceased If you were married by a priest, rabbi, pastor, Justice of the Peace or other person empowered by the State to perform marriages, check "clergy/justice of the peace" If you were NOT married by someone empowered by the State to perform marriages, check "other" and explain (for example, "common law" or "tribal marriage") Proof of marriage (such as a copy of your marriage certificate may be necessary to complete processing of your claim If such proof is readily available, please attach a copy to this application ive the date of your marriage to the deceased If you married the deceased more than once, give the date of the most recent marriage ive the city and state where you were married on the date in item 8 If you were married outside the United States, give the city and country Show whether you were married to the deceased more than once ive the date(s) of any prior marriage(s) between you and the deceased and attach a copy of your marriage certificate(s) for each prior marriage, if available ive the date(s) of any divorce or annulment of a marriage between you and the deceased and attach a copy of the final decree of divorce or annulment Show whether you have married since the date given in Section A3 ive the date you remarried and attach a copy of the proof of your current marriage Show if you have ever applied for a survivor annuity based on the ederal service of a deceased spouse other than the spouse you named in Section A of this application If "Yes," complete items 12 b-e ive the name of the former spouse ive the former spouse's date of birth ive the name of the retirement system, for example, Civil Service, oreign Service, TVA, etc ive the claim number assigned to your by that system

4 6WLRQ&,QIRUPWLRQ$RXWWK'VV'SQQW &KLOUQ List in order of birth all the surviving unmarried, dependent children of the deceased List all such children you know of, no matter where they live A dependent child is a son or daughter who is unmarried and: was under age 18 at the time of the deceased's death, including any: adopted child; stepchild or recognized child born out of wedlock who lived with the deceased in a regular parent-child relationship; or recognized child born out of wedlock if there was a judicial determination of support or if the deceased made regular and substantial contributions for the support of the child; is age 18 or older but became mentally and/or physically disabled before age 18 and who because of the disability is incapable of self-support or each son or daughter attach a physician's statement describing the nature of the disability, the date it began, and the complete name and address of the physician we may contact if more information is needed; is between age 18 and 22 and is a full time student in school Show if you have the responsibility for ALL the children in Section C1 If "Yes," go to Section C4 If "No," complete a-c Usually, the person the children live with is the person who is responsible Show if a legal guardian (Other than one already shown in Section C3) has been appointed for any child listed in Section C1 ive the name and address of the person(s) who are responsible for the children named in Section C1 If you don't know, write "unknown" ive the children's names If the person(s) in 3a is(are) court appointed, indicate by checking the "legal guardian" box If there is no court appointment, check "other" and write in the relationship, for example, mother, father, sister, etc ive the name and the address of the legal guardian(s) ive the names of children for whom the legal guardian has responsibility 6WLRQ',QIRUPWLRQ$RXW2WKU+LUV We also must have information about other relatives who may be able to inherit from the deceased, even if you don't think they will get a payment from us Be sure to make an entry in this section If you can't give complete information, do the best you can List only persons who were living when the deceased died and who have the following relationships to the deceased O NOT list foster children or grandchildren; they are not eligible for a monthly benefit ive each child's date of birth If you don't know, write "unknown" If available, please attach a copy of the birth certificate of each child whose benefit should be paid to you If the unmarried dependent son or daughter is 18 or over, show if he or she is a full-time student and/or disabled Put an "X" in the proper blocks to show how each child is related to the deceased ive each child's Social Security Number if you don't know the number, write "unknown" Show whether, on the date in Section A3, there was an unborn child of the deceased If the child is now born, attach a copy of the birth certificate if you are applying for the child's benefits If the child is born after you submit this application, the mother of the child, the legal guardian, or the person who is responsible for the child should send us the birth certificate and tell us the name and address of the person who should be paid Widow(er) unless named in Section B1 Children of the deceased not included in Section C and the children of any deceased children If there is no living widow(er) or child, list the deceased's parents If there are no living relatives of the deceased as described above and no court-appointed fiduciary as described in Section, list other blood relatives who can inherit from the deceased In-laws (people related by marriage) are not relatives If there are no other heirs as described above, enter "None" 6WLRQ(,QIRUPWLRQ$RXWWK'VV(VWW Show if a court appointed someone to be responsible for the estate of the deceased State law determines whether the person appointed is called executor, administrator, or some other term, such as "personal representative" If someone was named as executor/administrator in the deceased's will, but hasn't been appointed by the court, check "No" If you have been apointed by a court, attach a copy of the court apointment

5 ive the name and address of the person the court appointed Show if a court will be appointing an executor, administrator, or other official 6WLRQ)$WLY0LOLWU\6UYL Complete this section only if (1) you are the surviving spouse of a deceased employee (not an annuitant), (2) the deceased employee had at least 18 months of ederal civilian service, and (3) you were married to the deceased employee for at least 9 months before his or her death, you are the parent of a child born of the marriage, or the death was accidental Active military service includes active duty service in any of the following: Army, Navy, Marine Corps, Air orce, or Coast uard of the United States; Regular Corps or Reserve Corps of the Public ealth Service after June 30, 1960; As a commissioned officer of the National Oceanic and Atmospheric Administration (formerly Coast and eodetic Survey and nvironmental Science Services Administration) after June 30, 1961 Provide the information listed below if it available Branch of service eceased's serial number ates deceased performed active duty service Last grade or rank Check "No" or "Yes" If you check "No," you must attach OPM orm 1519, Surviving Spouse's Military eposit lection, to this application You may obtain OPM orm 1519 from the agency where the deceased was employed when he or she died In order to obtain full and continuing credit for military service performed after ecember 31, 1956, an employee may make a deposit of 7% of basic military pay earned (plus interest, if applicable) to the employing agency If an employee (not an annuitant) dies without making (or completing) this deposit, the surviving spouse may make the deposit with the employing agency The deceased employee's employing office will provide information about how making (or not making) the deposit will affect the survivor annuity and how the survivor makes the deposit Show whether the deceased was receiving retired pay from any branch of the military Check "No" or "Yes" Subject to Social Security considerations, the active military service will be used in the computation of the surviving spouse's monthly benefit, UNLSS the surviving spouse instructs OPM to exclude all the active military service 6WLRQ*&UWLILWLRQ Sign your name in ink Please note that OPM will not accept the signature of someone who has a power of attorney for the applicant named in Section B A court-appointed fiduciary can apply on behalf of the applicant, provided a court-certified copy of the court appointment is attached to the application for death benefits if there is no court-appointed fiduciary and the applicant is not competent, a relative or person responsible for the applicant may sign OPM will arrange later for the appointment of a representative payee to manage benefit payments after the applicant's incapacity is verified nter the current date and give your correct mailing address as you want it to appear on your check ive a daytime telephone number so we can reach you if we need more information If you do not complete this section, the processing of your claim may be delayed

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